Xe vs OFX Comparison At a Glance
We've divided the key information you need to know when comparing OFX vs Xe into several aspects: pros & cons, coverage, pricing, limits, supported asset management, accounts and their onboarding, security, user experience and the company's info. However, if you want a quick side-by-side OFX vs Xe comparison to see which one is rated better, check out the table below.
With an overall score of 9.0, OFX clearly comes out on top. Xe, by comparison, holds a rating of 8.9. As for the service quality and advantages you get considering the platform’s costs, OFX outperforms Xe as well, offering better value for money.
To give you a broader view of the money transfer service market, we've also put Xe and OFX next to Krak, which has the highest overall score. You'll see how all three compare throughout this page.
Compare Other Money Transfer Services
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| Per-transaction | Plan + per-transaction | Per-transaction | |
| An all-in-one money app for everyday transactions. | A bank-to-bank transfer service focused on competitive exchange rates and lower fees. | An app for international transfers that shows rates and fees upfront across its web and app. | |
| Visit site Read review | Visit site | Visit site |
A Detailed Comparison of OFX vs Xe
Find out which provider offers the fastest, cheapest, and simplest ways to send money with this elaborate Xe vs OFX international transfer comparison table. From supported delivery methods and fees to any extra features, you'll see it all in one place.
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Coverage |
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US
Canada
Indonesia+160 more |
US UK 
Italy+170 more |
UK
Germany
Australia+190 more |
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EN IT FR +20 more |
EN CN YUE |
EN DE ES +16 more |
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USD
EUR
CAD+6 more |
USD
EUR
GBP+50 more |
EUR
USD
GBP +90 more |
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BTC
ETH
SOL+300 more |
Fiat-only |
Fiat-only |
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Pricing |
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Bank - €0-3 Card - €0.25 + 3.75% |
N/A | N/A | |
| 0.000015 BTC | N/A | N/A | |
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Limits |
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| $10 | N/A | N/A | |
| $10 | N/A | N/A | |
| $10 | $150 |
US bank/wire - $3,000 CA bank/wire - $3,000 |
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| $15,000/week | No limit |
UK - £375,000/day EU - €375,000/day US - $500,000/day |
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Cash - $100,000/day Crypto - $500,000/day |
N/A | N/A | |
Asset Movement |
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Accounts |
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| None | Physical/Virtual | None | |
Security |
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| Name, surname, proof of address, ID | Name, surname, ID, proof of address | Name, surname, ID, proof of address | |
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User Experience |
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| Android/iOS | Android/iOS | Android/iOS | |
| Chat - 24/7 |
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1 Earn (staking) - up to 8.8% APR 2 Opt-in - up to 0.10% |
1 Not offered |
1 Not offered |
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1 Username functionality (Kraktag) 2 Proof-of-Reserves |
1 Rate alerts 2 Limit orders 3 Regular payments |
1 None |
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Company's info |
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| 2025 | 1998 | 1993 | |
| Arjun Sethi, Jesse Powell | Matt Gilmour | Beric Farmer, Steve Dengler | |
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| MiCA, FCA, FinCEN | FinCEN, ASIC, FCA, CBI, FINTRAC | FCA, DNB, NYDFS, NMLS, FINTRAC, ASIC | |
| Visit site Read review | Visit site | Visit site | |
OFX vs Xe Comparison Result Analysis
It's clear there are both OFX vs Xe differences and similarities. Let's go over some of the key aspects and see which is more suited for your remittance needs.
Supported Countries & Currencies
Speaking of worldwide reach, OFX is supported in US, UK, Italy and +170 more countries, while Xe is supported in UK, Germany, Australia and +190 more countries.
As for fiat currency support, OFX can be used to transfer USD, EUR, GBP and +50 more currencies. In the meantime, Xe supports EUR, USD, GBP and +90 more currencies. Keep in mind that some money transfer services also support crypto – check out the table above to see which ones are available on OFX and Xe (if any).
Verdict at a Glance:
Considering the overall reach, Xe offers broader country support than OFX. When it comes to fiat you can transfer, Xe is a clear winner with EUR, USD, GBP and +90 more currencies.
Fees
When it comes to the pricing structure, OFX uses the plan + per-transaction pricing model with variable transaction fees.
Xe, on the other hand, bases its pricing on the per-transaction model, and has n/a transaction fees.
Check OFX vs Xe fees comparison of deposits, withdrawals and any other priced actions in the table above. You can also see if these platforms apply an exchange rate markup.
Verdict at a Glance:
OFX uses the plan + per-transaction pricing model, while Xe bases its pricing on the per-transaction model. OFX has variable transaction fees & Xe has n/a transaction fees.
Transfer Speeds
Xe is known to offer average transaction speed. It may sometimes vary depending on the delivery method, though – Xe supports Bank deposit and Cash pickup.
OFX supports Bank deposit and ATM as delivery methods and offers slow transaction speed.
Verdict at a Glance:
OFX is generally faster than Xe. though it can sometimes depend on your chosen transfer method and the countries you send from/to.
Limits & Funding Methods
OFX can be funded via Bank and WIRE transfer, and it limits its transfers in the following way - No limit.
Xe puts limits on transactions as follows – UK - £375,000/day; EU - €375,000/day; US - $500,000/day. Considering available funding methods, you can deposit money to Xe via ACH, EFT, SEPA, Wire, Card, Apple Pay and Google Play.
By the way, many (but not all) providers set minimum deposit, withdrawal, and transfer amounts, which you can check in the OFX vs Xe comparison table above.
Verdict at a Glance:
Regardless of how similar or different OFX and Xe seem, always check your account for actual limits because some platforms tie them to your verification level and country.
Summary
This thorough OFX vs Xe comparison puts OFX ahead based on several factors. However, if we compare either with Krak, it outperforms both, having an overall score of 9.8. It provides the highest value for money considering its low-to-no costs, ease of use, worldwide support, and transaction speed. That's why it ranks as the top money transfer service provider.
How Is This OFX vs Xe Comparison Created?
1. We Collect
All information in this OFX vs Xe comparison comes from official provider pages, their fee schedules, verified payout samples, and personal testing. We check each country/currency coverage, fees, funding & payout methods, limits, and much more. You can be sure that all the collected information is accurate and up to date.
2. We Examine
Our experts double- and triple-check every data entry in the provider pages and trusted sources. We convert different fee formats into one standard layout, bring all info to the same baseline, and ensure you get all the essential details. The result is clean, comparable information you see in our Money Transfer Services Comparison Tool.
3. We Rate
We rate each provider to make choosing between Xe vs OFX for travel or remittances simple. Our score blends fees, markup presence, transfer speed, coverage, limits, security, and other factors. Each provider gets a clear score and a short verdict so you can quickly see which is cheapest, fastest, or best for specific use cases.
4. You Choose
Then, it's your call. After we compile the data and rate each provider, you can go over the quick and detailed OFX vs Xe comparison tables to place each provider's fees, coverage, delivery methods or any other aspects that matter to you side-by-side. This way, you can pick the best money transfer service for your needs.
FAQ
Is OFX better than Xe?
For some users, OFX might be better, while others might prefer Xe. It generally depends on your needs. When comparing OFX vs Xe for international payments or other use cases, always start with coverage and asset support, then make sure to check total costs and available delivery options. If neither option is suitable for you, consider exploring alternative money transfer services.
What is the best international money transfer service?
"The best" is a subjective term. Users seeking cash pickup or home delivery options will opt for more traditional money transfer services. Others, who seek speed, convenience and low costs, might choose neobank-like services. Speaking of which, one of the best new generation money transfer providers to watch is Ogvio. It’s all about low-to-zero fees, worldwide reach, and instant money transfers. On top of that, with EUR- or USD-denominated accounts, it helps protect funds from local inflation or currency depreciation.
Can I use more than one money transfer app?
Yes, using multiple money transfer apps sometimes might even be a better idea than sticking to one. For example, one provider might offer the lowest costs and fastest speeds, which would be highly beneficial for everyday transfers, while another can provide you with home delivery or cash pickup when you need it. You can surely find the most suitable providers for you using our Money Transfer Service Comparison Tool.
How do OFX vs Xe compare in terms of country and currency support?
OFX is supported in US, UK, Italy and +170 more countries and can be used to transfer USD, EUR, GBP and +50 more currencies. Xe, on the other hand, is supported in UK, Germany, Australia and +190 more countries and allows EUR, USD, GBP and +90 more currencies transfers. Some providers might be better than others in specific countries or regions (e.g., the Philippines, India, Mexico, etc.).
Which is cheaper for international transfers, Xe or OFX?
OFX uses the plan + per-transaction pricing model, while Xe bases its pricing on the per-transaction model. To see which is the cheaper option, check OFX vs Xe fees comparison above in the "Pricing" field. There, you'll find transaction, deposit, withdrawal, and any other costs, including whether or not they add an exchange rate markup. If neither is cheap enough, check out other money transfer providers.
How to compare platforms with this Money Transfer Service Comparison Tool?
It's very easy to use, just pick two services you want to compare in the drop-down menu and click "Compare Now". Once you do that, you'll get an instant money transfer service comparison. As you scroll through it, you'll find all the key info, including the platform's reach, speed, supported methods, limits, extra features, and the best money transfer fee comparison for 2025 and beyond.
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